1-year fixed mortgage rates in Canada
Every 1-year fixed rate below was collected from the lender's own public rate page. These are advertised rates, not personalised quotes, and eligibility depends on the lender.
The lowest advertised 1-year fixed rate here is 4.74% from CIBC.
| Lender | Rate | Conditions | Last material update | Source |
|---|---|---|---|---|
| CIBC | 4.74%posted | Special offer rate for a fixed-rate closed mortgage.≤ 25-year amortization | View official page ↗ for CIBC 1 year Fixed | |
| RBC | 4.89%posted | Special offer rate, 25 year amortization or less.≤ 25-year amortization | View official page ↗ for RBC 1 year Fixed | |
| RBC | 4.99%posted | Special offer rate for an amortization greater than 25 years.> 25-year amortization | View official page ↗ for RBC 1 year Fixed | |
| National Bank of Canada | 5.49% | Posted rate; no promotional rate advertised for this term.≤ 25-year amortization | View official page ↗ for National Bank of Canada 1 year Fixed | |
| Scotiabank | 5.49% | Posted rate for N.H.A. (insured) residential mortgages.Insured | View official page ↗ for Scotiabank 1 year Fixed | |
| Scotiabank | 5.49% | Posted rate for conventional (uninsured) residential mortgages.Uninsured | View official page ↗ for Scotiabank 1 year Fixed | |
| TD | 5.49%posted | Posted rate; no special offer advertised for this product.≤ 30-year amortizationUninsured | View official page ↗ for TD 1 year Fixed | |
| TD | 6.43%posted | Special offer rate.≤ 25-year amortizationInsured | View official page ↗ for TD 1 year Fixed | |
| National Bank of Canada | 9.65% | Posted rate; no promotional rate advertised for this term.≤ 25-year amortization | View official page ↗ for National Bank of Canada 1 year Fixed | |
| TD | 9.95%posted | Special offer rate.≤ 25-year amortizationInsured | View official page ↗ for TD 1 year Fixed | |
| TD | 9.95%posted | Posted rate; no special offer advertised for this product.≤ 30-year amortizationUninsured | View official page ↗ for TD 1 year Fixed |
- CIBCFixed1 yearClosed≤ 25-year amortization
4.74%
posted
4.99%APR 4.76%
Special offer rate for a fixed-rate closed mortgage.
Updated
View official page ↗ - RBCFixed1 yearClosed≤ 25-year amortization
4.89%
posted
5.49%APR 5.02%
Special offer rate, 25 year amortization or less.
Updated
View official page ↗ - RBCFixed1 yearClosed> 25-year amortization
4.99%
posted
5.49%APR 5.12%
Special offer rate for an amortization greater than 25 years.
Updated
View official page ↗ - National Bank of CanadaFixed1 yearClosed≤ 25-year amortization
5.49%
Posted rate; no promotional rate advertised for this term.
Updated
View official page ↗ - ScotiabankFixed1 yearClosedInsured
5.49%
Posted rate for N.H.A. (insured) residential mortgages.
Updated
View official page ↗ - ScotiabankFixed1 yearClosedUninsured
5.49%
Posted rate for conventional (uninsured) residential mortgages.
Updated
View official page ↗ - TDFixed1 yearClosedUninsured≤ 30-year amortization
5.49%
posted
5.49%APR 5.592%
Posted rate; no special offer advertised for this product.
Updated
View official page ↗ - TDFixed1 yearClosedInsured≤ 25-year amortization
6.43%
posted
5.49%APR 6.532%
Special offer rate.
Updated
View official page ↗ - National Bank of CanadaFixed1 yearOpen≤ 25-year amortization
9.65%
Posted rate; no promotional rate advertised for this term.
Updated
View official page ↗ - TDFixed1 yearOpenInsured≤ 25-year amortization
9.95%
posted
9.95%APR 10.052%
Special offer rate.
Updated
View official page ↗ - TDFixed1 yearOpenUninsured≤ 30-year amortization
9.95%
posted
9.95%APR 10.052%
Posted rate; no special offer advertised for this product.
Updated
View official page ↗
Rates on this page were last published 31 Aug 2026, 18:40 UTC.